Simple. Fast. Honest.
Cash Buying Guide
A&Y Auto Sales is a cash-only dealership. No financing, no credit checks, no interest — just a fair price and the keys in your hand the same day.
How to buy a car with cash
- 1
Pick your vehicle
Browse inventory online or visit the lot. Test drive anything that catches your eye — no pressure.
- 2
Agree on the price
Our no-hassle prices are posted clearly. No hidden dealer add-ons, no surprise fees at the desk.
- 3
Bring your payment & documents
Cash, cashier's check, wire, or debit. Plus a valid driver's license and proof of insurance.
- 4
Sign and drive
We handle the title and DMV paperwork on site. Most deliveries take under an hour.
Payments we accept
- Cash (US dollars)
- Cashier's check from a U.S. bank
- Bank wire transfer
- Debit card (limits may apply)
- Personal check with bank verification
Documents to bring
- Valid driver's license or state ID
- Proof of auto insurance (current policy)
- Payment in your chosen form
- If trading in: title, registration, and keys
Why cash is simpler & faster
Same-day delivery
No loan approvals or waiting on lenders. Walk in, drive out.
No interest, ever
What you pay is what you pay. No years of finance charges.
Stronger negotiating
Cash buyers get our cleanest, most straightforward deals.
Ready to find your next car?
Browse our inventory or come visit the lot in Sacramento.